The 2025 Reality Check

The problem wasn’t that I was buying luxury items. It was the “silent” commitments that kept me stuck.

I had a home payment, a new car installment, and several small things I bought on “0% interest” plans—like a gaming monitor and some furniture. I even tried to be smart by using installments for tax optimization.

I thought I was being organized. But soon, my life felt like a giant puzzle. I had money coming in from freelance work and tax returns, but I also had a long list of payments hitting my account at different times.

I realized I wasn’t broke, but I was blind. I knew what I had in my pocket today, but I had no idea if I would be “stuck” or safe three or six months from now. I couldn’t see the path out.

Trying to Find a Way Out

To fix this, I did what most people do: I built a massive spreadsheet. I tried to map out every single month of 2025 and 2026 to see when I would finally be “unstuck.”

I put in my salary, my car payments, and my home prepayments. It helped at first, but it was very hard to keep up. If a mortgage interest rate changed, or if I paid a little extra on my house one month, I had to manually fix every single cell for the rest of the year. It was a lot of work just to see my own future.

I’ve shared a version of that spreadsheet below. I converted the numbers from my original Thai Baht (THB) into a global USD format so you can see how these small expenses can make you feel stuck.

Turning the Pain into an App

After a few months, I realized that spreadsheets are not built for real life. They are built for accountants. I didn’t want a “budget tracker”—I wanted a way to see my trajectory. I wanted to know: “When will these installments end so I can breathe again?”

That is why I started building this project. My goal is to solve that “stuck” feeling by giving people total visibility.

Progress Update: Right now, I am making progress on the most important part: making house and car mortgage calculations easy. These are the biggest expenses that keep us stuck. I’m building the app so you can clearly see how these big loans fit into your life and exactly how they affect your future. You won’t need to be a math expert to understand your own money.

My Goal

I didn’t start this to build a big business. I started it because I was tired of feeling anxious about “hidden” bills and monthly installments. I wanted to move away from manual tracking and get my peace of mind back.

I hope that by solving this for myself, I can help others who are tired of feeling financially stuck. I’m building this in the open, and you can see how I’m approaching the problem here: Overspend.me